Zania-Editor
In the unfortunate event of an accident or death, LPG customers—Bharat Gas, Indane Gas, and HP Gas—should know that all registered consumers are covered by an insurance policy. The Oil Marketing Companies (OMCs) have a Public Liability Insurance Policy to provide quick relief in case of LPG-related accidents. This policy covers losses from accidents where LPG is the main cause of fire.
Insurance Coverage Details:
1. Bharat Gas:
– Personal accident cover: ₹6,00,000 per person in case of death.
– Medical expenses: Up to ₹30 lakhs per event, with a maximum of ₹2,00,000 per person. Immediate relief of ₹25,000 per person.
– Property damage: Maximum of ₹2,00,000 per event at the registered premises.
– Total coverage per year: ₹100 crores.
2. HP Gas:
– Personal accident cover: ₹6,00,000 per person in case of death.
– Medical expenses: Up to ₹30 lakhs per event, with a maximum of ₹2,00,000 per person. Immediate relief of ₹25,000 per person.
– Property damage: Maximum of ₹2,00,000 per event at the registered premises.
– Total coverage per year: ₹20 crores.
3. Indane Gas:
– Personal accident cover: ₹6,00,000 per person in case of death.
– Medical expenses: Maximum of ₹2,00,000 per person, limited to ₹30 lakhs per event.
– Property damage: Maximum of ₹2,00,000 per event at the registered premises.
– Total coverage per year: ₹10 crores.
Documents Required to Claim LPG Insurance:
To claim the insurance, consumers need to submit certain documents to the Oil Company:
– In case of death: Originals of the death certificate and any relevant post-mortem or inquest reports.
– In case of injuries: Original doctor’s prescriptions, medical bills, discharge cards, and any other hospitalization documents.
How to Apply for LPG Insurance:
Claims are settled based on the details of each case. The insurance company will decide on the claim settlement according to the policy terms. Customers do not need to apply directly to the insurance company. The policy also covers those supplied through a piped LPG system.
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